Housing
Housing loan repayments
About this topic
Housing loan repayments show the monthly mortgage repayment amounts reported by households with a mortgage. They provide a snapshot of housing costs for owner-purchasing households.
This topic can help indicate repayment pressure and possible housing stress when read with household income, but raw repayment amounts are not directly comparable over time because of inflation, interest rate movements, and changing loan conditions. The 2021 data also predates the interest rate rises that began in May 2022, so it should be interpreted with care.
Interpretation notes
- This topic applies only to households with a mortgage and records monthly repayments for the dwelling in which they were counted on Census night.
- Raw repayment amounts are not directly comparable over time because inflation, interest rates, and loan conditions change.
- The 2021 Census pre-dates the Reserve Bank rate rises that began in May 2022, so current repayment pressure may be higher than the Census snapshot suggests.
Key insight
In 2021, $2,000 - $2,199 was the most common mortgage repayment band among households with a mortgage in Thomastown, accounting for 12.1% (223 households). This share was lower than Whittlesea (C) (13.5%).
Section overview
Monthly housing loan repayments
Thomastown - Households (Enumerated)
This table summarises housing loan repayments for Thomastown in 2021 for persons, with comparison against Whittlesea (C).
Chart view
Monthly housing loan repayments snapshot
2021 distribution by category for Thomastown, with comparison markers for Whittlesea (C).
$299 or less
2021 count
108
% of total
5.9%
108
5.9%
$300 - $599
2021 count
101
% of total
5.5%
101
5.5%
$600 - $999
2021 count
136
% of total
7.4%
136
7.4%
$1,000 - $1,199
2021 count
117
% of total
6.4%
117
6.4%
$1,200 - $1,399
2021 count
150
% of total
8.2%
150
8.2%
$1,400 - $1,599
2021 count
157
% of total
8.5%
157
8.5%
$1,600-$1,799
2021 count
194
% of total
10.5%
194
10.5%
$1,800 - $1,999
2021 count
133
% of total
7.2%
133
7.2%
$2,000 - $2,199
2021 count
223
% of total
12.1%
223
12.1%
$2,200 - $2,399
2021 count
89
% of total
4.8%
89
4.8%
$2,400-$2,599
2021 count
49
% of total
2.7%
49
2.7%
$2,600-$2,999
2021 count
79
% of total
4.3%
79
4.3%
$3,000-$3,999
2021 count
79
% of total
4.3%
79
4.3%
$4,000-$4,999
2021 count
33
% of total
1.8%
33
1.8%
$5000 and over
2021 count
17
% of total
0.9%
17
0.9%
Not stated
2021 count
174
% of total
9.5%
174
9.5%
Data table
Housing loan repayments for Thomastown. Monthly housing loan repayments. 2021 counts and percentages compared with Whittlesea (C).
| Category | 2021 count | 2021 % | Whittlesea (C) % |
|---|---|---|---|
| $299 or less | 108 | 5.9% | 3.9% |
| $300 - $599 | 101 | 5.5% | 2.8% |
| $600 - $999 | 136 | 7.4% | 5.5% |
| $1,000 - $1,199 | 117 | 6.4% | 4.9% |
| $1,200 - $1,399 | 150 | 8.2% | 6.5% |
| $1,400 - $1,599 | 157 | 8.5% | 8.1% |
| $1,600-$1,799 | 194 | 10.5% | 10.0% |
| $1,800 - $1,999 | 133 | 7.2% | 8.8% |
| $2,000 - $2,199 | 223 | 12.1% | 13.5% |
| $2,200 - $2,399 | 89 | 4.8% | 6.6% |
| $2,400-$2,599 | 49 | 2.7% | 4.9% |
| $2,600-$2,999 | 79 | 4.3% | 6.6% |
| $3,000-$3,999 | 79 | 4.3% | 6.9% |
| $4,000-$4,999 | 33 | 1.8% | 2.4% |
| $5000 and over | 17 | 0.9% | 1.8% |
| Not stated | 174 | 9.5% | 7.0% |
| Total | 1,839 | 100.0% | 100.0% |